Personal Insurance

Personal Insurance

Caerus Insurance Offers a Wide Range of Personal Insurance

Home Insurance

We offer a broad array of coverage options for your home, whether you rent or own. The trend has recently been for insurance companies to cut coverage and put more responsibility on their customers to know and properly structure their own coverage. Pressure and demands for the best price put you at risk of having a claim that is not covered. Let Caerus Insurance review your situation, the options and make sure you know where you stand. There are also a wide variety of potential discounts available.

We can help with houses, condominiums, apartments, secondary, vacation locations and virtually any type of property you may occupy. We cover the building and contents for replacement and rebuilding costs. Additional expenses are covered during a claim process if you have to live elsewhere.

Additional endorsements options for the property include but are not limited to jewelry, valuable items, firearms, collectibles, artwork, earthquake, landslide, flood, sewer back up, home office, business use. Liability Insurance is about financial protection. Homeowners Liability policies provide coverage for bodily injury and property damage sustained by others for which you are covered residents or your household are legally responsible.

Umbrella Insurance

Protection from lawsuits is important when the demand is severely high and the loss potential large. Protect assets and income that may have taken a lifetime to earn from an event that can happen in a moment. This coverage can assure that you will have coverage to pay for; attorney fees, court costs, loss of income while in court and any settlement or judgment that has to be paid.

Options can include uninsured/under-insured motorist coverage so you can protect yourself in the event you are injured and the other party has no or minimal insurance. Coverage amounts start at $1,000,000 and go up in similar increments to whatever level of coverage you want/need.

Boats

Coverage and advice is available for any type of watercraft. If used on lakes, in rivers or the ocean we can help make sure your boat, its contents, motors, accessories, trailers, and liability are correctly covered. Whether you are a new boat owner, have years of experience, fish, ski, cruise, or entertain, we can help. Areas of concern are varied here and each company does things somewhat differently. Let us help make sure you have the coverage you want and need and know what is and is not covered.

Car Insurance

Extreme price competition and catchy advertising lead many car owners to have inadequate coverage. With liability claims having unlimited loss potential it is critical that you have enough coverage to protect your assets, current, and future income. Let us help make sure you have coverage that will pay for your legal defense cost and any potential payout in the event you are sued for a vehicle-related injury claim.

Some carriers have special programs/discounts for teen drivers, good students, safe drivers, low mileage, multiple vehicles and more.

Life Insurance

Make sure your loved ones are financially secure rather than subject to additional stress and uncertainty in the event of your untimely passing. Loss of a parent, spouse, or even a child can be emotionally devastating, make sure you have coverage in place to protect the stability and plans you have for your loved ones. We can help you determine an amount that would be adequate to stay in the home, school district, activities, pay ongoing expenses, keep college plans in place and keep a similar standard of living.

Options include affordable term insurance plans which guarantee coverage and level annual or monthly cost from 5 to 30 years. Other plans can accumulate cash value.

And Many Others

If you don’t see the type of coverage you’re looking for here just call and we can determine your coverage options. Let us help make sure you have the right coverage to protect yourself against lawsuits, disruptions to your flow of income and property.